The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$41,257
−HK$2,587/mo
▼ 0.25% · 3.875%
HK$42,540
−HK$1,304/mo
Today · 4.125%
HK$43,844
baseline
▲ 0.50% · 4.625%
HK$46,512
+HK$2,668/mo
Deposit HK$9.05M · loan HK$9.05M · min. income ≈ HK$87,688/mo (50% DSR)
Upfront cash ≈ HK$9.73M (deposit + AVD stamp duty HK$678,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,898
−HK$2,480/mo
▼ 0.25% · 3.875%
HK$47,129
−HK$1,249/mo
Today · 4.125%
HK$48,378
baseline
▲ 0.50% · 4.625%
HK$50,928
+HK$2,550/mo
Deposit HK$9.05M · loan HK$9.05M · min. income ≈ HK$96,756/mo (50% DSR)
Upfront cash ≈ HK$9.73M (deposit + AVD stamp duty HK$678,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,509
−HK$3,104/mo
▼ 0.25% · 3.875%
HK$51,049
−HK$1,564/mo
Today · 4.125%
HK$52,613
baseline
▲ 0.50% · 4.625%
HK$55,815
+HK$3,202/mo
Deposit HK$7.24M · loan HK$10.86M · min. income ≈ HK$105,226/mo (50% DSR)
Upfront cash ≈ HK$7.92M (deposit + AVD stamp duty HK$678,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,078
−HK$2,975/mo
▼ 0.25% · 3.875%
HK$56,555
−HK$1,498/mo
Today · 4.125%
HK$58,053
baseline
▲ 0.50% · 4.625%
HK$61,113
+HK$3,060/mo
Deposit HK$7.24M · loan HK$10.86M · min. income ≈ HK$116,106/mo (50% DSR)
Upfront cash ≈ HK$7.92M (deposit + AVD stamp duty HK$678,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,760
−HK$3,622/mo
▼ 0.25% · 3.875%
HK$59,557
−HK$1,825/mo
Today · 4.125%
HK$61,382
baseline
▲ 0.50% · 4.625%
HK$65,117
+HK$3,735/mo
Deposit HK$5.43M · loan HK$12.67M · min. income ≈ HK$122,764/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$678,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,257
−HK$3,472/mo
▼ 0.25% · 3.875%
HK$65,981
−HK$1,748/mo
Today · 4.125%
HK$67,729
baseline
▲ 0.50% · 4.625%
HK$71,299
+HK$3,570/mo
Deposit HK$5.43M · loan HK$12.67M · min. income ≈ HK$135,458/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$678,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,263
−HK$4,657/mo
▼ 0.25% · 3.875%
HK$76,573
−HK$2,347/mo
Today · 4.125%
HK$78,920
baseline
▲ 0.50% · 4.625%
HK$83,722
+HK$4,802/mo
Deposit HK$1.81M · loan HK$16.28M · min. income ≈ HK$157,840/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$678,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,617
−HK$4,463/mo
▼ 0.25% · 3.875%
HK$84,832
−HK$2,248/mo
Today · 4.125%
HK$87,080
baseline
▲ 0.50% · 4.625%
HK$91,670
+HK$4,590/mo
Deposit HK$1.81M · loan HK$16.28M · min. income ≈ HK$174,160/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$678,495 · Scale 2, in force from 26 Feb 2026)